However, there are some techniques that these consumers can use to get a best rate, they may just have to work harder. Currently, as banks keep raising their rates or stop offering some loans at all, it is getting more difficult for consumers to find best mortgage rates. Experts are offering advice to consumers in this situation and encouraging them to do plenty of comparison shopping in order to get the best rate mortgage possible.”You can ask each lender to give you a best price offe Home mortgages may vary in features depending on the lending institution. One way to find the creditor with the most attractively priced loan is to look in your local newspaper and check to see if it publishes a shoppers' guide to home mortgage credit. These shoppers' guides are widely available and may be used to identify the lenders with low rates. However, basically, the way to find the best loan is to shop around.